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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $528,363 | $209,422+152.3% | $178,503+196.0% | $158,982+232.3% |
| Participation rate | 94.4% | 86.4%+8.1pp | 81.9%+12.5pp | 82.0%+12.5pp |
| Annual return | 9.64% | 188.81%-179.2pp | 151.12%-141.5pp | 302.99%-293.3pp |
| Employer contribution / active EE | $32,837 | $5,707+475.4% | $5,011+555.3% | $4,763+589.4% |
| Participant deferral / active EE | $14,105 | $5,955+136.9% | $5,202+171.1% | $5,983+135.7% |
| Admin fee / account holder | $190,557 | $17,079+1015.7% | $13,987+1262.4% | $11,252+1593.6% |